If you want to open an account for personal use you can do it over the phone or online. Opening an account online should only take a few minutes. You need to register to the site and just login to the site using the user id and password.

You can choose to buy foreign exchange in one or more of these modes: cash/currency notes, traveller’s cheques and prepaid multi-currency forex cards. Most people prefer to carry their currency in a combination of cash (generally for smaller expenses) and prepaid multi-currency cards which can be swiped at merchant outlets or used to withdraw cash at an ATM.

Always decline if given the opportunity to charge your purchase in USD. This may bring hidden transaction and conversion fees that will amount to much more than charging your purchase in the local currency. Insist that all purchases are charged in the local currency. There are always financial risks involved with traveling internationally, which is why it is important to take extra precautions making exchanges, purchases, or withdrawals abroad